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NERDWALLET PREQUALIFIED LOAN RATE TERMS OF USE

Updated 4/8/2019

NERDWALLET PREQUALIFIED LOAN RATE TERMS OF USE

NerdWallet partners with third parties that provide certain products and services through NerdWallet’s websites including but not limited to www.nerdwallet.com as well as through certain downloadable mobile applications (collectively, the “Site”). In some instances, NerdWallet’s third party lending partners require that NerdWallet users agree to be bound by some additional terms of use that are specific to particular products or services (“Partner Terms”). In the event of any conflict between the Partner Terms and NerdWallet’s Terms of Use, NerdWallet’s Terms of Use govern and control.

NerdWallet’s Prequalified Loan Rates service is a platform that allows users to submit a request to be matched with one of NerdWallet’s Loan Provider Partners to pre-qualify for loan offers with certain Annual Percentage Rates (“APR”) and requires registration of a user account. By registering for and using NerdWallet’s Prequalified Loan Rates service, you agree to be bound by the Partner Terms set out below, in addition to NerdWallet’s Terms of Use and Privacy Policy.

You understand and agree that you are authorizing NerdWallet to send your information to Loan Provider Partners on your behalf and you authorize these partners to obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax.

You understand that NerdWallet does not take applications for loans, which you must fill out with the third party Loan Provider Partner Pre-qualifying for a loan APR does not guarantee that your loan application with the same lender will be approved, nor that the final APR you may be offered from a Loan Provider Partner will be the same as the pre-qualified APR, due to a number of factors, including without limitation, additional credit information you provide (or do not provide) to the lender during the application process, changes in your financial circumstances and increases in the rate index.

You understand that, in order to offer you a pre-qualified APR, the Loan Provider Partners need your consent to use and accept electronic signatures, records, and certain disclosures.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be matched with one of our third party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies. Some lenders may charge a fee for providing paper copies, at their discretion. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and supported web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher). To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Additional Mobile Technology Requirements. If you are accessing a Partner site and/or the Disclosures electronically via a mobile device (such as a smart phone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the Disclosures presented to you during the application process. These applications can be found for most mobile devices in the device’s “app store.” If you do not have these capabilities on your mobile device, please access the Partner’s site through a device that provides these capabilities.

Withdrawing Consent. Your E-Consent for our matching service and for our third party lenders’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge, by contacting the Partner at the address provided in the initial disclosure. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third party lender directly if you wish to withdraw this E-consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender’s website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. By clicking the link, you agree to these Partner Terms. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. By clicking the link, you acknowledge you have read this information about electronic signatures, records, Disclosures, and doing business electronically. You consent to using electronic signatures, having all Disclosures provided or made available to you in electronic form, and to doing business with the Partner electronically. You acknowledge that you may request a paper copy of the electronic records and Disclosures. If you refrain from proceeding than you neither wish to use electronic signatures not conduct this transaction electronically. You also acknowledge that your consent to electronic Disclosures is required to receive services from third party lenders over the internet.

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.